| Janika Lõiv | |
| Birth Date: | 28 November 1989 |
| Birth Place: | Estonia |
| Discipline: | Mountain bike racing |
| Role: | Rider |
| Ridertype: | Cross-country |
| Show-Medals: | yes |
Janika Lõiv (born 28 November 1989) is an Estonian cross-country mountain biker.[1] She competed in the women's cross-country event at the 2020 Summer Olympics.